Hyundai Kona Insurance Rates
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UPDATED: Jun 6, 2023
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Average insurance prices for a Hyundai Kona are $1,186 every 12 months for full coverage. Comprehensive insurance costs on average $240, collision insurance costs $446, and liability insurance is $364. A policy with just liability insurance costs around $416 a year, and coverage for high-risk drivers costs $2,572 or more. Teen drivers receive the highest rates at up to $4,466 a year.
Average premium for full coverage: $1,186
Rate estimates by individual coverage type:
Price estimates include $500 policy deductibles, 30/60 liability limits, and includes medical and UM/UIM coverage. Rates are averaged for all states and for different Kona trim levels.
Price Range by Coverage and Risk
For a driver around age 40, prices range range from the cheapest price of $416 for just liability insurance to a much higher rate of $2,572 for a driver required to buy high-risk insurance.
Price Range by Location
Choosing to live in a large city has a significant impact on car insurance rates. Rural areas tend to have more infrequent accident claims than larger metro areas. The price range example below illustrates the difference between rural and urban areas on car insurance rates.
These examples show why anyone shopping for car insurance should compare rates quotes based on a specific location and their own driving history, rather than relying on price averages.
Use the form below to get customized rates for your location.
Enter your zip code below to view companies based on your location that have cheap auto insurance rates.
More Rate Details
The chart below shows average Hyundai Kona insurance rates for different risk profiles and scenarios.
- The lowest rate with discounts is $681
- Raising to $1,000 deductibles will save around $156 a year
- The average price for a 40-year-old driver with $500 deductibles is $1,186
- Choosing more expensive low deductibles costs an extra $302 a year
- Higher-risk drivers with multiple violations and an at-fault accident could pay upwards of $2,572
- The cost to insure a teen driver with full coverage may cost $4,466
Insurance rates for a Hyundai Kona can also vary considerably based on policy deductibles and limits, your driver profile, and the trim level of your Kona.
Choosing high deductibles can reduce rates by up to $460 each year, while increasing your policy's liability limits will cost you more. Going from a 50/100 liability limit to a 250/500 limit will cost as much as $327 more each year. View Rates by Deductible or Liability Limit
An older driver with no violations or accidents and higher deductibles could pay as little as $1,100 every 12 months on average for full coverage. Rates are highest for teen drivers, since even excellent drivers should be prepared to pay upwards of $4,400 a year. View Rates by Age
If you like to drive fast or you were responsible for an accident, you could be paying at a minimum $1,400 to $2,000 additional per year, depending on your age. High-risk driver insurance is expensive and can cost anywhere from 45% to 131% more than average. View High Risk Driver Rates
Where you live also has a big influence on Hyundai Kona insurance rates. A middle-age driver might find rates as low as $780 a year in states like Idaho, Maine, and Iowa, or as much as $1,690 on average in Michigan, Louisiana, and New York.
|State||Premium||Compared to U.S. Avg||Percent Difference|
|Model Year||Comprehensive||Collision||Liability||Total Premium|
|2019 Hyundai Kona||$240||$446||$364||$1,186|
|2018 Hyundai Kona||$226||$430||$376||$1,168|
Rates are averaged for all Hyundai Kona models and trim levels. Rates assume a 40-year-old male driver, full coverage with $500 deductibles, and a clean driving record.
How to Shop for Cheaper Hyundai Kona Insurance
Saving money on Hyundai Kona insurance consists of being a good driver, having above-average credit, eliminating unneeded coverage, and dropping full coverage on older vehicles. Set aside time to compare rates at every policy renewal by requesting rates from direct carriers like GEICO, Progressive, and Esurance, and also from local independent and exclusive agents.
The following list is a condensed summary of the data covered above.
- Drivers who require an increased level of liability coverage will pay about $400 each year to raise from a minimum limit to a 250/500 level
- Drivers can save as much as $140 per year just by shopping early and online
- Increasing deductibles could save as much as $450 each year
- Drivers age 16 to 20 pay higher rates, costing as high as $372 per month if full coverage is included
Rate Tables and Charts
Rates by Driver Age
Full coverage, $500 deductibles
Rates by Deductible
Full coverage, driver age 40
Rates by Liability Limit
Full coverage, driver age 40
Rates for High Risk Drivers
Full coverage, $500 deductibles, two speeding tickets, and one at-fault accident
If a financial responsibility filing is required, the additional charge below may also apply.
Potential Rate Discounts
If you qualify for discounts, you may save the amounts shown below.
|5-yr Accident Free||$87|
|5-yr Claim Free||$77|
|Paid in Full/EFT||$54|
Discounts are estimated and may not be available from every company or in every state.